Lafayette County property record for 305 Garner St, Oxford, MS 38655
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,026 sqft · built 1969 |
| Lot Size | 0.62 acres (27,040 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $261,300 (Mar 2011) |
| Tax Bill | $2,675 (2025) |
| Deeds & Mortgages | May 2022 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 134J-20-087.00 |
| Primary APN | 134J-20-087.00 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 2,026 sqft Living Area |
| 1st Floor Area | 1,784 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1969 |
|---|---|
| Effective Year Built | Effective 1969 |
| Exterior Material | Brick Veneer |
| Foundation Type | No Foundation |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 27,040 sqft (0.62 acres) |
| Lot Dimensions | 208 ft deep x 130 ft wide |
| Patio Area | 112 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 5533 |
|---|---|
| Street Address | 305 GARNER ST |
| City | OXFORD |
| State | MS |
| Zip | 38655-2003 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 36 GARNER HEIGHTS PREV APN: 086L-20-023 |
| Legal Range | 03W |
| Legal Township | 08S |
| Legal Section | 20 |
| Legal Subdivision | GARNER HEIGHTS |
| Legal Lot Number | 36 |
| Jurisdiction | LAFAYETTE MS |
| Township / Civil Division | 2 |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 950303 |
Source: Lafayette County assessment roll, as of April 28, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 305 GARNER ST, OXFORD, MS 38655-2003 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Et Ux (and Wife) |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Mar 31, 2011 · Amount on Record |
| Deed Sale | Mar 31, 2011 · Amount on Record |
| Deed Document Number | 20112380 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAFAYETTE MS |
| Property Address | 305 GARNER ST, OXFORD, MS 38655-2003 |
| Transaction Type | Mortgage |
| Record Updated | Dec 15, 2023 |
| Name | Verified Name |
|---|---|
| Address | 305 GARNER ST, OXFORD, MS 38655-2003 |
| Document Number | 0202204957 |
|---|---|
| Date | May 26, 2022 |
| Instrument | 2022-04957 |
| Name | RENASANT BANK |
|---|---|
| Type | Bank |
| Address | OXFORD, MS 38655 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Lafayette County assessment roll, as of April 28, 2026
| Type | Name |
|---|---|
| State | Mississippi |
| County | Lafayette County |
| Municipality | Oxford City |
| Unified School District | Oxford School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,675.00 (+17.53%) Homeowner's exemption | $22,866 (+15.48%) | $228,660 (+15.48%) Land $90,000 Building $138,660 |
| 2023 | $2,276.00 Homeowner's exemption | $19,801 | $198,010 Land $90,000 Building $108,010 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
Source: FEMA National Flood Hazard Layer, effective March 24, 2020 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 11 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 11 in force |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 45% of the US · above 43% of Mississippi |
|---|---|
| Wildfire Likelihood | 0.08% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF OXFORD serves 28,500 people · EPA ID MS0360011 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Aug 2021 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 136 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| BCI Mississippi Broadband Fiber · Cable in parts of the area | 10,000 / 10,000 |
| Telapex Fiber · Fixed Wireless in parts of the area | 8,000 / 8,000 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless · DSL · Fiber in parts of the area | 100 / 20 |
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